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  Citizens National Bank Financial Freedom

Citizens National Bank Financial Freedom

in Savings Accounts from Citizens National Bank · fdic

Unaffiliated

Citizens National Bank Financial Freedom

Unaffiliated

in Savings Accounts from Citizens National Bank · Member FDIC

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Highlights
Monthly Fee $0 - $25
APY (Annual Percentage Yield) N/A
APY Minimum Balance $10,000

Citizens National Bank Financial Freedom Review

Citizens National Bank Financial Freedom is offered by Citizens National Bank, a bank founded in 1888 and based in Meridian, MS. Citizens National Bank Financial Freedom is available in 50 states (and Washington, DC).

Key Takeaways
  • Charges a monthly fee. This account charges a monthly service fee of up to $25, but the fee is waived if you keep a minimum balance of $10,000.
  • Large minimum initial deposit. You need a minimum deposit of $10,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Citizens National Bank.
Citizens National Bank Financial Freedom Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Monthly service charge.
Citizens National Bank Financial Freedom FAQ

Are savings accounts from Citizens National Bank federally insured?

Yes, your Citizens National Bank savings accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

Does Citizens National Bank offer a signup bonus?

Citizens National Bank Financial Freedom doesn't offer a signup bonus.

What is the minimum initial deposit for Citizens National Bank Financial Freedom?

The minimum deposit to open a Citizens National Bank Financial Freedom is $10,000.
Citizens National Bank Financial Freedom Minimums
Description
APY Minimum Balance $10,000
Minimum Balance to Avoid Monthly Fee Starting at $10,000
Minimum Opening Deposit Starting at $10,000

What APY does Citizens National Bank offer?

Citizens National Bank Financial Freedom is not an interest-bearing account.

What fees does Citizens National Bank Financial Freedom charge?

Citizens National Bank Financial Freedom does not charge a monthly service fee. See the fee breakdown section below to view all fees.

However, you can waive the monthly fees if you have a minimum daily balance of $10,000.

What features and perks does Citizens National Bank Financial Freedom offer?

This savings account includes the following features:

  • ATM reimbursement - This account provides ATM access and will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - Citizens National Bank Financial Freedom monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Citizens National Bank Financial Freedom allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

Can you set up a direct deposit to Citizens National Bank Financial Freedom?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

APY Minimum Balance $10,000
Minimum Balance to Avoid Monthly Fee Starting at $10,000
Minimum Opening Deposit Starting at $10,000
Monthly Fee $0 - $25
Account Features
  • Member FDIC
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • Interest Bearing Account
  • Mobile Check Deposit

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